Prime Card?

[tpmlls]

I have a few "sub-prime" cards with high AF's (Household Bank, Crap One) and I was recently approved for a Chase Freedom Visa with a $1500 CL. I was wanting to have one other main "Prime" card and I was thinking about the Discover Motiva card, and I was hoping to get some feedback on when I should apply or if I should even apply. If I were to be approved, I would pay off my other cards and in writing, have them cancelled so they will still show up on my CR for 10 years in good standing. Any thoughts or comments would be welcomed!

Thank you,

Wes

[jamesdwi]

Citibank has some good cards, Discover is good. Barclays is easy on recons, but they like CLD's if you do much credit shopping in the first 6-12 months with them. 

[HiLine]

Discover More FTW.

[tpmlls]

My TU score is currently 658, how long should I wait? I also have 8 inq on my report from house and car shopping as well as a couple cards,I.e. the Chase Freedom

[SnackTrader]

We need more information on you to have any specific suggestions. 

AAoA

Oldest Account

any baddies?

what are current tradelines? what are their limits?

are all of those INQs on TU? Do you know what is on the other reports In terms of INQs or scores?

Hopefully we can help some more once we get some more information. 

[HiLine]

Why don't you pay off all cards but one, leaving utilization about 2% to determine your maximum credit score?

[tpmlls]

My oldest account is from 2002, a card that is closed but in good standing. I have 2 medical bills that went to collections, a Target credit card that was a charge off that should come off my report in a couple years, and two other utility bills that got stuck with me after I had moved out from my jerk of a roommate. All of the baddies should be off in the next 3 years. The last 6 months I have 6 Hard Inquiries that show up on all three CR's. MyFico shows my AAoA across the board at just under 3 years, but my credit score has jumped leaps and bounds from the last 2 years that I have been trying hard to fix my mistakes. I do not know my other scores exactly, but I do know they are all above 640. I really appreciate ALL of the help, really I do!

[HiLine]

We understand that your credit profile is rather complicated. The best way we can gauge your credit quality or recommend you suitable cards is through a FICO score. I would recommend that you pay off the balances and obtain a FICO score. Knowing your FICO score can only help.

[tpmlls]

I just looked up my Transunion and Experian scores on the MyFico site. My TU is 658 and Experian is 650 just FYI. 

[MovingForward_2012]

A semi off topic question for OP: were you instantly approved for the Freedom or did you have to recon for approval. Myfico is 703 and they are swinging me around for approval.